Simamora, Saur, RahayuAgus, and DirgantariPuspo Dewi. “Driving Digital Transformation in Small Banks With VRIO Analysis”. Jurnal Aplikasi Bisnis dan Manajemen (JABM) 10, no. 1 (January 29, 2024): 99. Accessed May 10, 2024. https://journal.ipb.ac.id/index.php/jabm/article/view/47526.